How do novices learn to manage money, and how should novices learn to manage money?

You can buy this kind of books for self-study, if you have enough money you can directly implement it in practice, financial management is not like doing the same problem, more important than practice, even do not learn financial management can sort out a world, but it is a little difficult at the beginning, you can first buy one or more national public bonds, safe enough that minors can buy financial projects, the risk is almost 0, the longer you lend the more profits, you can get more money by rolling interest or buying more, it depends on your ideas. After that, you can make regular investment and make less profits, but investing more than 10% is 100% profitable, but there is a time limit, so the more you buy, the better, and the profit can ensure a stable income. Of course, you can also buy **, you can make huge profits in a short time, but the risk is very high, don't take risks if you don't have enough foundation.

Managing money is your own business, not someone else's, I can only provide you with this, don't forget!! Don't be greedy for money!! Start with a bank!!

Extraction code: ZJ6D from 1 to 1 million, 12 tricks for financial management. Learning financial investment is a compulsory course in life, and the financial management rule from 10,000 to 1 million is compound interest, the eighth wonder in the world.

The formula for compound interest is: Compound Interest Final Value = Principal * (1 + Yield) Time. The three factors of compound interest are principal, yield, and time.

For ordinary people, the principal is not easy to increase immediately, time is also an uncontrollable factor, and the most important thing is the rate of return. The most important thing is to be patient with money and accept that you will get rich slowly, rather than overnight.

Course Catalog: How do the Fed's interest rate hikes and exchange rate changes relate to me?

Regular investment loses money, and loses without knowing when to sell.

Low-risk investment.

A beginner's guide to zero-based financial management, how to take the first step from beginner to proficient?

Seeing that celebrities' self-created brands are sold**, many fans still buy on their behalf, and I feel that most of the fans are blindly consumingIn fact, most people don't have any financial planning, and they can't help but buy a lot of unnecessary things at home, and they may only use them once or twice, and then never use them again, such as bags and shoes bought by women, and SLRs bought by men.

So, in most cases, I think too well, and you may not be able to save this 1,000 yuan a month.

When should you start your regular investment?

There is no doubt that from now on, it will never be too late. Why should you start? Regardless of the beautiful vision of making money through financial investment, even if we don't want to do anything, how much money do you need to spend after retirement?

Suppose you are now 35 years old, with an annual income of 10,000 yuan, retired at the age of 50, and need to receive a 35-year pension, and you can receive 6,000 yuan from social security every month, in order to keep your quality of life from declining, in these 30 years, your pension gap is 4.02 million yuan!

So, even if you don't want to do anything, you want to earn income through your salary, but the problem of pension is also something you can't face, maybe you didn't realize it before, and you don't know how much it will cost, so I used a calculator to help you figure it out.

How much money to invest?

How much money is the right amount to invest? If you're a newbie, you might as well try 10%-20% of your monthly salary, or you can consider using your incremental salary to invest in your finances, which is exactly what I did.

What is incremental pay? For example, your year-end bonus or additional labor benefits, or the boss has given you a salary increase this year, for example, if it has increased by 1,000 yuan per month, then you can use the 1,000 yuan to make regular financial investment.

Why can incremental wages be tried? Because usually according to our original standard of living, you can still maintain your household expenses even if there is no incremental part. Incremental money is the extra money that can give you an improved quality of life, as the saying goes, "buy, buy, buy".

But if we take it differently and use it for financial management, wouldn't this arrangement be better?

I think it's a good idea, and that's how I put it into practice.

Of course, if you are not a novice and already have some experience in investment and financial management, but you may not know how much to take to manage your finances, and you feel a little unplanned, then I can also give you some reference suggestions.

First, sort out your income and expenses, as well as your assets and liabilities.

By sorting out your income, expenditure, assets and liabilities, you can clearly know what stage you are in in terms of finance and financial management.

How much principal can you invest, how much assets, and what liabilities need to be repaid. If a person doesn't even know the level of his own assets, then what kind of investment and financial management can he talk about? So the first step is to take stock of assets and liabilities.

2. Understand your risk appetite.

Everyone's risk appetite and risk tolerance are different, some people are aggressive, and some people are conservative. People with different risk appetites are suitable for different financial management methods, and the risk tolerance of people of different ages is also different. People who are younger and do not have a family will have a stronger risk tolerance, because their ability to make money will become stronger and stronger.

3. Practical operation.

If you wait until you finish your studies and then invest in financial management, then you will not have a chance in your life, because you will not be able to finish learning at all. In addition, all learning is just talk on paper, and everything is empty talk without real disturbance. Practical operation is the most important thing, and you can enter it a little earlier.

When you have less knowledge, you can operate less and practice while learning. Some hands-on experience can also be used to verify that what you have learned is correct.

Fourth, risk awareness.

The last one is to be risk-aware. If you lack risk awareness, you are a gambler, not an investment and financial management. Investors should know the stop loss and have a calm mind.

There is no investor who has not lost money. Today's sale of ** fell by 2 yuan, and it may rise by 3 yuan tomorrow, if it falls by 2 yuan, you can't bear it, then you don't want to manage your finances.

Seriously, you can't give detailed and personalized financial advice just because there is so little information. With too little information, there is no way to understand some personal conditions, such as what your spending structure is, what your risk tolerance is, what your risk appetite is, whether you have other assets and liabilities, and so on.

If you're new to financial management, here are a few steps you can take to get started:

1.Know your financial situation, including income, expenses, assets and liabilities, and spend your money wisely and avoid wasting it.

2.Make a reasonable budget and spending plan, plan and allocate income wisely, and make sure you have a balance every month.

3.Learn about financial literacy, understand basic investment knowledge and investment products, including **, bonds, **, **, etc.

4.According to your own risk tolerance and investment needs, choose investment products that are suitable for you, and consider various factors such as comprehensive rate of return and risk.

5.Don't blindly follow the trend, invest cautiously, pay attention to risk control, and don't ignore a long-term and stable investment strategy.

By following these steps, you may be able to start managing your finances with more confidence, wealth growth and risk control.